Lend & Co

Lend & Co At Lend & Co, we provide one-on-one service to find the right loan for your circumstances - resident It has developed thanks to a commitment to helping others.

We are the property loan specialists, helping our clients to realise their dreams of homeownership or extend their portfolio across the residential and commercial property. Our story began with a passion for finance, numbers, and property. The approach we take is simple: offer the best customer service so clients can find the right loan for them. We provide personal attention and share expert knowledge so you can make the right decisions and achieve the best results, sooner. Contact us to find out more.

Not many people know that lenders shift how they assess you the moment you move from a single asset to building a commer...
27/08/2026

Not many people know that lenders shift how they assess you the moment you move from a single asset to building a commercial property portfolio.

With the first loan, the focus is your income and the property itself. By the second and third, lenders look harder at the whole picture.

Combined rental income, your total exposure, how the assets perform together, and whether the cash flow holds up if one tenant leaves.

Structure matters more at this stage too. The wrong setup early can limit how far you can scale later.

If you're thinking beyond a single commercial asset, it's worth planning the next move before you make it!

The property tax settings from the Budget are now law, so now is the time to plan ahead.From 1 July 2027, established ho...
25/08/2026

The property tax settings from the Budget are now law, so now is the time to plan ahead.

From 1 July 2027, established homes bought after 7:30pm on 12 May 2026 will face tighter negative gearing rules, while new builds remain fully deductible and existing holdings are grandfathered.

The 50% CGT discount also falls away from that date, replaced by inflation indexation on future gains.
In other words: the next 12 months matter.

Purchase timing, asset type and structure could have a far bigger impact on your long-term outcome!

*This is general information only, not tax advice. Speak with your accountant about your personal situation.

The Melbourne property market wakes up in Spring!More listings, more buyers, more competition. The buyers who do well in...
23/08/2026

The Melbourne property market wakes up in Spring!

More listings, more buyers, more competition. The buyers who do well in spring tend to have one thing in common; they sorted their finances first.

A pre-approval tells you exactly what you can spend, so you're not guessing at inspections. It lets you move quickly when the right place appears, instead of scrambling for finance after the fact. And it gives you real standing when you negotiate, because your offer isn't conditional on a maybe.

Getting it done now means you're ready the moment something worth chasing comes up.

Commercial finance has more moving parts than a home loan, and the differences catch a lot of first-time buyers off guar...
20/08/2026

Commercial finance has more moving parts than a home loan, and the differences catch a lot of first-time buyers off guard.

Bigger deposits, shorter loan terms, and an assessment that leans on the property and the lease as much as on you.

Our commercial lending guide breaks down what to expect before you apply: how lenders assess the deal, what paperwork you'll need, and the questions worth answering early!

You've found the right street, the right block, the right location. The house on it, less so. Knocking it down and rebui...
18/08/2026

You've found the right street, the right block, the right location. The house on it, less so. Knocking it down and rebuilding can make more sense than renovating, and the finance has its own rules.

A knock-down-rebuild loan funds the demolition and the new construction on land you already own or are buying. It's structured like a construction loan, with funds released in stages as your build hits each milestone.

Lenders look at the land value, the build contract, and the end value of the finished home. Your existing equity in the block often does a lot of the heavy lifting!

If you love your location but not the house, this is a path worth understanding.

We could spend a fortune on advertising. None of it would carry the weight of one client saying 'you should talk to them...
16/08/2026

We could spend a fortune on advertising. None of it would carry the weight of one client saying 'you should talk to them' to a friend.

That's the thing about a recommendation. People trust it in a way they'll never trust a billboard or an ad.

So when you point someone our way, we treat it as if your name is on the line, and we look after it accordingly!

Right now, home loan rates across our panel start from 6.1% p.a., up to high-7% p.a.When you're with one bank, you see o...
13/08/2026

Right now, home loan rates across our panel start from 6.1% p.a., up to high-7% p.a.

When you're with one bank, you see one rate. We see what 30+ lenders are offering on any given week, and the gap between the sharpest and the rest is often wider than you expect.

That gap is exactly where a review pays off. On an average Melbourne mortgage, even a small difference adds up over a year.

If you haven't compared your rate to the wider market lately, it's worth a look!

More Melbourne homeowners are reviewing their loans this year than we've seen in a long time. Two things are driving thi...
11/08/2026

More Melbourne homeowners are reviewing their loans this year than we've seen in a long time. Two things are driving this action:

1️⃣ The first is rates. After a run of increases, repayments that felt manageable a year ago are now squeezing budgets, and people want to know if they can do better.

2️⃣The second is uncertainty. Tax and budget changes in the headlines have owners asking whether their current setup still suits them.

A review doesn't commit you to switching. Often it confirms you're in a good spot but it also might find you a few thousand dollars in savings a year! Either way, 15 minutes tells you where you stand.

Are you setting up a trade business? The premise is one piece; the ute, trailer, and tools are another.We sort the prope...
09/08/2026

Are you setting up a trade business? The premise is one piece; the ute, trailer, and tools are another.

We sort the property side. The workshop, the yard, the commercial space you'll work from.

For everything that moves or plugs in, our sister brand Dad's Wallet has it covered. Vehicle and equipment finance, approved fast, built for trades and small business.

Two brands, one owner, the whole setup handled. Property here, gear there, no gaps in between.

Vets and dentists are among the lowest-risk borrowers a lender can take on. Yet plenty still get treated like any other ...
06/08/2026

Vets and dentists are among the lowest-risk borrowers a lender can take on. Yet plenty still get treated like any other applicant, and miss out on terms built for exactly their profession.

Many lenders offer allied health and veterinary professionals genuine advantages. This can include higher borrowing ratios, in some cases up to 90% or more without the usual lenders mortgage insurance, and recognition of strong, stable career earnings even early in practice.

The hard part is knowing which lenders offer it and how to qualify. That's the part we handle!
If you're in the profession and your bank is treating you like a standard risk, you're probably leaving something on the table.

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Melbourne, VIC
3121

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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